IIRC, Comenity uses their own in house scoring system and the results are usually a far cry from true FICO scores.
As far as being approved for one and denied for another, while the same bank ultimately issues the credit, each business can set their own credit requirements.
Example: I was approved for Amazon and Walmart, but denied for Lowes, but all are Synch backed cards.
@Anonymous wrote:
@Anonymous wrote:
Just for kicks you should try the SCT at Victoria's Secret and see what happens. They are one of the few that will tell you the amount in the pre-approval pop up screen. For the ones I've gotten the pop up for, VS was the highest.
I also got approved for WM and Amazon but no other Synch cards, including Lowe's. I also don't get the SCT pop up for all the possible Comenity sites.I try it a couple times per day and i get nothing. It will happen sooner or later. really only want the card for my wife since she shops their regularly. I am not in with Sync yet, and was denied for a Walmart card at teh beginning of Jan. Probably wont cold app for another card for quite a while.
I have registered with about 95% of the comenity sites and only received the Eddie Bauer popup and that happened when I wasnt expecting it or thinking about the SCT. This credit game is very elusive at times and I am thoroughly enjoying the thrill of the hunt.
The SCT hasn't worked for me although I've gotten a couple of cards by apping anyway with something in the cart (PayPal Credit and Amazon Prime). Comenity doesn't like me, only able to get Overstock with them. I have a few Sync cards but failed with Lowes and that's the one I really want/need (time to buy a new riding lawnmower (want one sith a few bells and whistles).
You are right, it is elusive for those of us that are sitting right on the edge of respectability. Glad you're having fun with it 'cause it not always so with me. Glad for the approvals and CLI's but the denials are heartbreaking. 